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renter's rights regarding flooding

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i have rented a house in fl for 2 1/2 yrs. my landlord requires me to cover the first $50 of each repair that may be necessary to the home. we had a major flood 2 days ago when the washing machine hose (which the landlord owns & maintains) let go. the entire contents were under approx. 2 inches of water by the time i returned from work.
the insurance adjuster states that the landlord's policy does not cover the contents, and since i do not have renter's insurance, i must bear the cost myself. there was significant damage to all of my wood furniture & some upholstered items. what are my rights?

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